🏠 The government’s shut down—so what does that mean for your home purchase or sale?Joe and Makayla unpack the real impact of the current U.S. government shutdown on Portland’s real estate market, including loan delays, rate volatility, and buyer confidence—plus what smart buyers and sellers should do right now.🎙️ Episode SummaryAs of October 8, 2025, the federal government is officially shut down—and Portland’s housing market is already feeling the ripple effects. In this timely episode, Joe and Makayla break down what the shutdown means for mortgage rates, federal loan processing, flood insurance approvals, and buyer sentiment in the metro area.They share expert insights on how to stay ahead: why locking your rate early, securing pre-approval fast, and staying flexible on closing timelines can protect your deal. For sellers, they discuss how to navigate shifting leverage and changing buyer behavior. The conversation wraps up with some levity—Makayla’s appreciation for Sotheby’s strong nationwide network and Joe’s unforgettable food finds in Philadelphia. 🍝You’ll come away with practical, actionable takeaways to weather the uncertainty—and maybe a few travel tips, too.⏱️ Episode Highlights[00:01:12] Topic Reveal: What a government shutdown means for the Portland real estate market[00:03:50] Flood insurance challenges — Why shutdowns stall policies and delay closings[00:04:35] Mortgage rate swings — Joe explains how volatility affects your buying power[00:06:27] Federal loan delays — USDA approvals may pause; FHA and VA slow down[00:07:12] Buyer hesitation — How uncertainty reshapes supply, demand, and leverage[00:09:08] Lenders tightening standards — What to expect if the shutdown drags on[00:10:35] Pro tips for buyers & sellers — Lock rates early, communicate, and stay flexible[00:14:21] What We’re Loving: Sotheby’s strong national network and Joe’s Philly food adventures👤 About the HostsJoe Reitzug and Makayla Mast of LivPortland (Cascade Hasson Sotheby’s International Realty) bring insider knowledge, humor, and clarity to Oregon’s real estate market. Their candid takes help you navigate trends, opportunities, and challenges with confidence.👉 Learn more at LivPortland.com🧭 Resources MentionedBlog: What a Government Shutdown Looks Like (Basics + Caveats)Thank you for listening to this episode. Stay up to date on the latest trends and insights by subscribing to our podcast and following us on social media. For more information about buying or selling in the Portland Metro real estate market, please visit www.LivPortland.com or contact us directly. We appreciate your feedback, so please leave a review and let us know what topics you would like to hear more about.

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